Frequently Asked Questions about Mobile Wallet and Mobile Payments

What is the service?Mobile payments like Apple Pay, Samsung Pay and Android Pay convert your debit card into a digital token. This allows merchants to accept in-store and online payments and transactions to be initiated with mobile devices via that token through a contactless payment or NFC technology.

What is a contactless payment?Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

What is NFC technology?Near Field Communication (NFC) technology enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device.

How secure is the service?The safety and security of your account information is of the highest importance.

As a security measure, you may receive a "verification required" message when adding your card to any of these payment solutions. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

When you make payments using a mobile wallet: Your full card number is not shown to the merchant. And all transactions are monitored by our risk and fraud detection systems.

Additionally, consumers will be required to set up a passcode or Touch ID for their device. You will need to unlock your phone to make most purchases.

How can I download in the service?For Apple Users: Find the Wallet App on the Home Screen > Add Credit or Debit Card For Samsung Users: Navigate to and touch Apps > Samsung Pay and Install For Android Users: Navigate to the Google Play store and Install the Android App

I’ve downloaded the necessary App, but I was directed to call my financial institution. Why?Depending on several factors, certain cardholders may receive this message during enrollment. This is a risk mitigation process that requires additional authentication. The consumers that are redirected must manually confirm their identities before their card can be added to the service. Cardholder identity will be verified against cardholder information stored on the payment platform. Once identify is confirmed, the service will be activated. The number for this verification process is 1-844-590-5256. Please note: This number may be noted on your device or app in reference to verification of your card, such as 'Contact First United Bank & Trust' or 'Call your bank'.

What are some possible authentication questions I may be asked?As the cardholder, you may be asked for the last transaction made with the card they are trying to set up, along with the purchase amount and either the date or merchant name. Additionally, you may be asked for the last four (4) digits of your social security number, date of birth, mother’s maiden name, home telephone number, expiration date of your card and/or zipcode. You are able to call back and verify your information at a later date if you are unsure of information for an answer.

When I use Apple Pay, Samsung Pay or Android Pay, does it use my debit card (PAN) information?No. When the account holder initiates transactions with their mobile device, their digital account number (the token) and not the primary account number, will be used to process the transaction. Your debit card numbers are also not stored on the device.

Help! I’ve lost my phone. Do I need to cancel my debit card?No, your debit card is not compromised. However, you will need to report that your phone as lost so that your token can be deactivated and a new one created. This can be achieved by either calling the 1-844-590-5256 or users can use the ‘Find My Device’ feature on Apple or the Android Device Manager, which, when active, allows users to suspend or delete tokens themselves. You may continue to use your debit card until a new token is created.

Will I continue to earn rewards and benefits from my credit or debit cards when I pay?Yes. When using this service, you will continue to receive applicable My Bank Rewards points that your debit card provides.

I want to return something I purchased using this service. Can I?Yes. The cashier can use the Device Account Number to find the purchase and process the return, just as they would with a traditional card.

My card expired and I received a replacement in the mail. Do I need to go through the setup process again?No. For a card renewal, the new expiration date will be automatically provided from VISA, with no action required by you.

Where can I use Apple Pay?You can use Apple Pay in participating stores, within apps and on websites using the Safari browser on your device. Apple watches may also be used for payments. For more Apple FAQs: Click Here. In stores, look for one of these symbols at checkout:

Where can I use Android Pay?You can use Android Pay in eligible stores, often where you see contactless terminals. Android Wear watches may also be used for payments at eligible locations. For more Android FAQs: Click Here. In stores, look for one of these symbols at checkout:

Where can I use Samsung Pay?You can use Samsung Pay in eliglbe stores, often where you see contactless terminals. To make a payment, place the back of your device on the card or NFC reader on the payment terminal. The Galaxy Gear S2 (with NFC only) & Gear S3 watches may also be used for payments. For more Samsung FAQs: Click Here.

Disclosures

Message and data rates may apply; contact your cellular provider for information on your mobile contract. Call us at 1-888-692-2654 if you are experiencing any issues. iPhone® is a trademark of Apple Inc., registered in the U.S. and other countries. App StoreSM is a service mark of Apple Inc. Android™ is a trademark of Google Inc.

Security Notice – Browser Updates May Be Required To Use Online Banking Solutions

As an ongoing security and protection for your finances, First United deploys and keeps up-to-date many layers of security and encryption protocols to protect your confidential information. Many modern internet browsers support these advanced encryption techniques, however, some older browsers do not. Please note that, beginning May 21st, customers using the unsupported Microsoft Windows XP® and Windows Vista® with Internet Explorer (IE) 6 or 8, will be unable to use our digital solutions and must upgrade to a newer supported version of Internet Explorer, Google Chrome™, or Mozilla Firefox® instead.

Additionally, some end customers using Internet Explorer 10 (IE10) or lower may receive a message from their browser about updating their browser security settings to TLS 1.1 or 1.2. These end customers should enable these protocols on the Advanced tab in IE via Tools > Internet Options to continue accessing digital finance solutions or upgrade to a newer supported version of Internet Explorer.

If you have questions, please contact our Customer Care Center at 1-888-692-2654.